Edit: Ok, you're 23....Interesting. I'm going to guess you are actually being serious in which case:
1. How the fuck can you not know if you pissed or came in your pants by 23 years old?
2. What happened after all this? After she took off your pants?
3. When a girl takes your pants off she is usually initiating something. Just go with the flow.

if she removed your pants shes telling you she wants to start some action. If you want to do it then let her, if you don't pull your pants up and say no. You should return the favor when shes done if your nice or just don't? Sounds like you need to start making some decisions of your own and learn from what happens or doesn't happen.

If she's taking off your pants, you better be getting head or laid. When she takes off your pants, it means you are free to take hers off too if you want and depending on what you do, it will probably decide what happens.